The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,175
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,365/mo
Today · 4.125%
HK$45,883
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,792/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,766/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,032
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,320
−HK$1,307/mo
Today · 4.125%
HK$50,627
baseline
▲ 0.50% · 4.625%
HK$53,296
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,254/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,810
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,422
−HK$1,637/mo
Today · 4.125%
HK$55,059
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$3,351/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,118/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,639
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,184
−HK$1,569/mo
Today · 4.125%
HK$60,753
baseline
▲ 0.50% · 4.625%
HK$63,955
+HK$3,202/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,506/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,445
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,326
−HK$1,910/mo
Today · 4.125%
HK$64,236
baseline
▲ 0.50% · 4.625%
HK$68,145
+HK$3,909/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,472/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,245
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,048
−HK$1,830/mo
Today · 4.125%
HK$70,878
baseline
▲ 0.50% · 4.625%
HK$74,614
+HK$3,736/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,756/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,716
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,133
−HK$2,456/mo
Today · 4.125%
HK$82,589
baseline
▲ 0.50% · 4.625%
HK$87,614
+HK$5,025/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,178/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,458
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,777
−HK$2,352/mo
Today · 4.125%
HK$91,129
baseline
▲ 0.50% · 4.625%
HK$95,932
+HK$4,803/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,258/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,041 · Scale 2, in force from 26 Feb 2026)